FirstHome Down Payment Assistance Program
Forgivable loan · Forgiven over 20 yrs · Income limits
Down payment assistance · Ramsey County
Buying a home in White Bear Lake, MN
3 county programs and 8 statewide.White Bear Lake has no program of its own, 3 across Ramsey County, and 8 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
What’s local to White Bear Lake
No program of White Bear Lake’s own yet
No program run for White Bear Lake alone is listed. A home in White Bear Lake can use Ramsey County’s programs below, plus the Minnesota statewide and federal ones.
The closest city that runs its own program is Shoreview, about 7 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in RamseyAnywhere in Ramsey County
3 county programs3 county programs a White Bear Lake homebuyer can use
3 more programs are for homes in Saint Paul and Shoreview. See them 3 programs in neighboring cities — for homes inside those cities, not White Bear Lake
- Saint Paul — Downpayment Assistance Program
- Shoreview — Shoreview First-time Homeowners Down Payment Assistance (Amortizing)
- Shoreview — Shoreview First-time Homeowners Down Payment Assistance (Due-on-sale)
The White Bear Lake marketThe White Bear Lake housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in White Bear Lake
- 58.7% single-familysingle-family
- 11.3% townhousetownhouse
- 2.1% 2–4 units2–4 units
- 27.9% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
Condos count. 1 of White Bear Lake’s 3 local and county programs accept condos. Rondo Community Land Trust Homebuyer Initiated Program (HIP) lists single family and 2-4 unit. TruePath Mortgage (TCHFH Lending, Inc.) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When White Bear Lake’s homes were built
pre-19401970s2020+
61.6%
of White Bear Lake homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$131,500
County area median income, 4 people (HUD)HUD area median income, Ramsey County, 4-person household (2026)
$83,554
White Bear Lake median household incomeMedian household income in White Bear Lake (Census, 2024)
14 of the 73 programs here set their income limit as a share of Ramsey County’s area median income, adjusted for household size. See the published limits for Ramsey County
Free help nearbyFree help near White Bear Lake
14 HUD-approved counseling agencies within 15 miles14 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Minnesota and nationwide
70 statewide & federal programs8 statewide programs, plus federal options
White Bear Lake questions
Does White Bear Lake have its own down payment program?
No program run for White Bear Lake alone is listed. A home in White Bear Lake can use the 3 programs that cover Ramsey County and the 8 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in White Bear Lake?
1 of White Bear Lake’s 3 local and county programs accept condos. Rondo Community Land Trust Homebuyer Initiated Program (HIP) lists single family and 2-4 unit. TruePath Mortgage (TCHFH Lending, Inc.) lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Ramsey County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Ramsey County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near White Bear Lake?
HUD-approved housing counseling agencies teach homebuyer classes, and 14 agencies are within 15 miles of White Bear Lake. Create a free account and take the 90-second match to see the ones near you.
Nearby in Ramsey
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.